PYMNTS Study

How AI Is Rewriting Credit Decisioning in Real Time

How AI Is Rewriting Credit Decisioning in Real Time
How AI Is Rewriting Credit Decisioning in Real Time
April 13, 2026  |  Artificial Intelligence

For decades, credit and payment decisions have relied on static scorecards and rigid “if-then” rules built for a slower payments environment. That model is now...

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New Study Finds AI Critical to Credit Union Member Retention
New Study Finds AI Critical to Credit Union Member Retention
April 13, 2026  |  Credit Unions

“Built to Lead or Losing Ground? AI, Mobile and the Member Retention Imperative for Credit Unions in 2026” is a collaboration between PYMNTS Intelligence and...

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The $42 Billion Checkout Opportunity Hiding in Plain Sight
The $42 Billion Checkout Opportunity Hiding in Plain Sight
April 10, 2026  |  Retail

“Embedded Offers: The Billion-Dollar Opportunity Inside Recent Consumer Spending” is a collaboration between PYMNTS Intelligence and FIS. Based on a Census-balanced survey of 2,754 U.S. consumers...

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The Emerging Middle-Market Growth Story Has a Cash Flow Problem
The Emerging Middle-Market Growth Story Has a Cash Flow Problem
April 08, 2026  |  Business

“The Emerging Middle Market: When Operational Complexity Grows Faster Than Financial Infrastructure” is a collaboration between PYMNTS Intelligence and i2c. This report examines a part...

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Why Speed Alone Isn’t Enough in Payouts
Why Speed Alone Isn’t Enough in Payouts
April 01, 2026  |  Disbursements

“The Preference Match Imperative: Aligning Payout Delivery With Recipient Expectations,” a PYMNTS Intelligence and Ingo Payments collaboration, examines a simple yet increasingly important issue in...

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FinTechs Shift From Wealth Building to Accelerating Cash Flow
FinTechs Shift From Wealth Building to Accelerating Cash Flow
March 27, 2026  |  Consumer Finance

The assumption that consumers are motivated primarily by upside has defined the go-to-market playbooks of payments companies, FinTechs and consumer brands for years. Get the...

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Acquirers Say Risk and Readiness Are Slowing Agentic Commerce
Acquirers Say Risk and Readiness Are Slowing Agentic Commerce
March 24, 2026  |  Artificial Intelligence

“How Acquirers Prepare for Agentic Commerce” examines how acquirers are preparing for the next phase of digital commerce as AI-powered agents take on a larger...

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Identity Gaps Are Becoming Billion-Dollar Points of Failure
Identity Gaps Are Becoming Billion-Dollar Points of Failure
March 23, 2026  |  Digital Identity

Digital identity now runs through every part of the customer and partner journey, from logging in and making transactions to onboarding vendors and issuing loans....

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